Call reports 2009
WOODFORD STATE BANK — 2009
What WOODFORD STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 185,520,000 | 192,239,000 | 200,366,000 | 208,852,000 |
| Total loans | 141,074,000 | 144,767,000 | 148,969,000 | 150,313,000 |
| Allowance for loan losses | 1,320,000 | 1,438,000 | 1,489,000 | 2,476,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,638,000 | 24,863,000 | 26,527,000 | 23,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,810,000 | 164,272,000 | 172,516,000 | 180,690,000 |
| Interest-bearing deposits | 147,082,000 | 151,001,000 | 159,820,000 | 163,260,000 |
| Noninterest-bearing deposits | 12,728,000 | 13,271,000 | 12,696,000 | 17,430,000 |
| Equity capital | 15,315,000 | 15,598,000 | 15,939,000 | 15,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,735,000 | 5,445,000 | 8,096,000 | 10,950,000 |
| Interest expense | 977,000 | 1,930,000 | 2,915,000 | 3,805,000 |
| Net interest income | 1,758,000 | 3,515,000 | 5,181,000 | 7,145,000 |
| Noninterest income | 339,000 | 580,000 | 851,000 | 1,212,000 |
| Noninterest expense | 1,307,000 | 2,681,000 | 4,001,000 | 5,338,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 1,680,000 |
| Pretax income | 666,000 | 1,169,000 | 1,666,000 | 1,334,000 |
| Income tax | 220,000 | 376,000 | 532,000 | 358,000 |
| Net income | 446,000 | 793,000 | 1,134,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,211,000 | 14,527,000 | 14,900,000 | 14,519,000 |
| Total capital | 15,531,000 | 15,965,000 | 16,389,000 | 16,409,000 |
| Risk-weighted assets | 140,483,000 | 143,402,000 | 148,657,000 | 150,613,000 |
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